Reviewing a travel insurance policy is fundamental

When taking out travel insurance it is crucial to ensure that you review the policy carefully, according to MSNBC.

The American news service warned that it is dangerous to take other people's word for what is covered, adding that verbal promises are meaningless when it comes time to make a claim.

It also urged travellers to ensure that there are no clauses hidden away in their contracts, warning that these can often be glossed over when a product is purchased.

This is most apparent with people with pre-existing medical conditions, who will often find policies voided by their health problems unless they take out specialist cover.

"If you have a pre-existing condition or health problem of any sort, make sure the policy covers you for that condition," John Wagner, director of products management for US-based Blue Cross Blue Shield, told the website

"No insurance policy will cover you for all possible events and eventualities," he added.

Last month, American Express published research suggesting that 24 per cent of Brits are planning to travel abroad uninsured, despite the risks that doing so entails.